Now, here was a man to whom a well-meaning but inconsiderate act of kindness had been the cause of permanent degradation. The highest qualities in such a one--manhood, self-respect, frugal and industrious independence--had been practically destroyed, and an act of charity had made of one who was doubtless originally an honest and hard-working young man, a mendicant, a loafer, and a fraud. And yet for a sincere and self-sacrificing purpose to help our less fortunate fellow-men there were never so many inspiring and encouraging opportunities. Along with the undeniably increasing complexity of our modern life there have arisen those attractive instrumentalities for a genuine beneficence which find their most impressive illustrations in the improvements of the homes of the poor in college settlements, in young men's and young girls' clubs in connection with our mission churches, in the kindergartens and in the cooking schools founded by these and other beneficent agencies, in juvenile societies for teaching handicrafts and encouraging savings, and, best of all, in that resolute purpose to know how the other half live, of which the noble service of Edward Denison in England; of college graduates in England and in America, who have made the college and university settlements their post-graduate courses; of such women here and in Chicago as Miss Jane Addams, and the charming group of gentlewomen living in the House in Henry Street, New York, maintained with such modest munificence by Mr. Jacob Schiff; of such laborious and discerning scrutiny and sympathy as have been shown in the studies and writings of my friend Mr. Jacob Riis--are such noble and enkindling examples.